Personal Finance  ·  Debt Relief
Special Report

Millions of Americans Are Finally Getting Out From Under Their Credit Card Debt — Here's How

If you have over $10,000 in credit card debt, you may qualify for a program that could cut what you owe — and give you an actual end date.

See If You Qualify — Takes 10 Seconds

Free. No obligation. Confidential.

If you have credit card debt, you already know the feeling. You make your payment every month and the balance barely moves. The interest charges eat up most of what you paid. You're not falling behind because you're irresponsible — you're falling behind because the math is rigged against you.

The average credit card interest rate is now over 21%. On a $10,000 balance, making only minimum payments, you could end up paying back nearly $20,000 — and it could take you over 20 years to get there.

If you have over $10,000 in credit card debt, there is a way out. And it doesn't require winning the lottery or going bankrupt.

Personal Account

That's exactly where Jennifer found herself

"I was making $200 payments every month and watching my balance go down maybe $30. I finally did the math one night and realized I'd be paying this off until my kids were in high school. That's when I knew something had to change.

The calls from the credit card companies were the worst part. I'd see the number come up and just let it ring. I stopped answering calls from numbers I didn't recognize. I was embarrassed to tell anyone — not my parents, not my friends, not the guy I'd been dating for six months.

I kept telling myself I'd deal with it 'when things calmed down.' But things never calm down. The balance just kept climbing."

— Jennifer, 34, Texas

Jennifer isn't unusual. Over 100 million Americans are currently carrying credit card balances they can't pay off. If you're one of them, it's not a character flaw. These companies are designed to keep you in debt as long as possible — that's how they make money.

How It Works

There is a way out

Debt settlement companies negotiate directly with your credit card issuers on your behalf. Because they work with large numbers of clients and have existing relationships with the major creditors, they can often negotiate your total balance down significantly — sometimes by 40 to 50 percent.

There are fees involved. But for most people the amount saved on total debt makes the service more than worth it. More importantly, it gives you an actual end date — a point where the debt is gone and you can move on with your life.


The minimum payment trap

You borrowed $10,000 — but if you only make minimum payments, you'll pay back $19,400+ over 22 years

What you borrowed
$10,000
Original balance
What you'll actually pay
$19,400+
At 21% APR, minimum payments only
Every $200 minimum payment breakdown Month 1
$25 principal
$175 interest — gone forever
88 cents of every dollar goes to interest. Only 12 cents reduces what you owe.
Total amount paid after 22 years
$10,000 original debt
$9,400 pure interest
You pay nearly double what you borrowed — and it takes over two decades.
Today
$10,000
Balance owed
Year 5
$8,640
Still owe after $12,000 paid
Year 10
$6,100
Still owe after $24,000 paid
Year 22
$0
Finally paid off. Total cost: $19,400+
$175
That's how much interest is added to your balance every single month at 21% APR — before you make a single payment. Every month you wait, that number works against you.
Based on $10,000 balance at 21% APR with 2% minimum payment ($200 floor). Actual results vary by lender terms.

"I finally called. I was terrified, honestly. I thought they were going to judge me or pressure me into something. Instead the person I spoke with just asked me some basic questions and walked me through what my options actually were. No pressure. No judgment. It was the most relieved I'd felt in two years.

That was eleven months ago. My debt is almost gone. I wish I had called two years sooner."

— Jennifer, 34, Texas
Why Act Now

Every month you wait, the hole gets deeper

Here's the hard truth about waiting: your balance isn't standing still.

At 21% APR, a $10,000 balance adds roughly $175 in interest every single month.

That's $175 added to what you owe before you even make a payment.

Every month you wait, the total you'll eventually need to settle gets a little larger. The best time to address this was a year ago. The second best time is today.

About the Call

We know calling feels like a big step

Talking to a stranger about debt you've been carrying in silence is hard. Most people put it off for months — or years — because they're afraid of being judged, pressured, or locked into something they don't want. Here's what actually happens.

What to expect on the call

  • The call takes about 3 minutes
  • You'll speak with a debt specialist — not a salesperson
  • They'll ask a few basic questions to see what programs you may qualify for
  • There is zero obligation — no one will pressure you into anything
  • Everything you share is completely confidential
  • If you don't qualify, they'll tell you that too — no runaround

Take this 3-question quiz to see if you qualify

We just need to confirm a few things before connecting you with a specialist. Takes about 10 seconds.

Are you a US citizen or permanent resident?
How much credit card debt do you have?
What is your monthly income?

(Employment, self-employment, benefits, etc.)

You appear to qualify

Based on your answers, you may be eligible to speak with a debt specialist about reducing what you owe. The call is free, takes about 3 minutes, and there's no obligation.

Call (888) 239-7891 Now

Speak to a Specialist
Free · Confidential · No obligation

Every day you wait, your balance grows. The call is free. The relief is real.

Results are not guaranteed and vary based on individual circumstances. Debt settlement may negatively affect your credit score. This is not legal or financial advice. Speak with a qualified specialist to understand your options.

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